Diversify Your Investments In 2017

If you want to make money and manage it well, you need to have a diversified portfolio. This applies to crowdfunding and peer-to-peer lending , as much as to everything else. In fact, one reason some people think about getting into crowdfunding is because it offers the chance to put a bit of money into ventures that are unlikely to follow the fortunes of companies listed on the stock market.

IFISAs Bring Hope to Troubled Savers - Orca Money

Income Tax square on Monopoly board, with dice.

Financial comparison site Orca Money has published a short guide to the Innovative Finance ISA (IFISA), the new product that allows ordinary investors to put money into peer-to-peer lending tax-free.  If you are the kind of investor who has already put money into ISAs, or you have money to invest before April 5th, you would do well to read Orca Money's advice.

You Have No Reason To Exist, Says Expert

Sign in car park says Please Pay Before Existing

A 'senior industry source' claims that the vast majority of alternative finance platforms currently seeking authorisation by the Financial Conduct Authority (FCA) have no reason to exist, according to a report in The Times this morning.

It's funny, isn't it, how all the most provocative and groundless allegations we read in our sector come from people who are described as 'expert', 'senior', or 'well-placed' ?

In Praise Of Cautious Investors

Legs and feet of  man on a tightrope, indoors 

The world has plenty of fools. Crowdfunding for sustainable growth needs a community of investors who think carefully and invest shrewdly, who assess risk, but treat risk as a thermometer (too hot, too cold, in the zone) rather than a traffic light (stop, go).

Understanding FCA Authorisation of P2P Lenders

A tiny snail on a ruler in the garden

We want a well-regulated market with many participants investors can choose among. But what is going on with the long queue of peer-to-peer lending platforms looking for full authorisation?  

We expect the Financial Conduct Authority's (FCA) to be dilgent, but also fair.  Quality matters, but quantity matters too.  So far, the market has ten fully authorised players, and at least thirty in a queue. 

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